Human nature, however, seems to resist mightily these efforts to improve decision making, despite the daily reminders of the risks of bad judgment. Concerned about uncertainty in their financial futures, some people these days are seeking advice — not from accountants, financial planners, tax attorneys, career coaches, or credit counselors — but from psychics.

Are you making decisions based on magical thinking or wishful predictions about the future? Or on sound advice from knowledgeable experts, information from trustworthy sources, and good common sense?